Your Financial Health Check

Before building a solid financial plan, we must understand where you stand today. Let's map out your assets, liabilities, and cash flow to diagnose your current financial wellness.

1. Client Profile

Name

Age

Marital Status

Dependents

2. Monthly Cash Flow

Tracking where your money comes from and where it goes.

Net Monthly Surplus/Deficit

RM 0

↓ Cash Inflows (Monthly)

Gross Monthly Salary / Income (Before tax/EPF) RM

Net Monthly Salary (Take-home pay after deductions) RM

Other Income (Rental, Business, Dividend) RM

Total Available Cash (Net + Other) RM 0

↑ Cash Outflows (Monthly)

Savings & Investments

Monthly Savings/Investments (Self-directed)RM

1. Must-Have Expenses

Includes: Core living costs and debt commitments.

Home Loan / Rent (Debt) RM

Vehicle Loan / HP (Debt) RM

Personal Loans / Credit Cards (Debt) RM

Utilities (Electricity, Water, Internet, Phone) RM

Basic Groceries & Household Supplies RM

Transportation (Fuel, Toll, Transit) RM

School Fees / Childcare RM

Others RM

Total Must-Have Expenses 0% of Net Income RM

└ Automatically calculated total Debt portion (for DSR) RM

2. Peace of Mind Expenses

Includes: Protection, charity, and well-being.

Life Insurance/Hibah RM

Zakat, Sadaqah, Donation & Parents RM

Medical Insurance/Takaful RM

Others RM

Total Peace of Mind Expenses 0% of Net Income RM

3. Need-to-Have Expenses

Includes: Practical lifestyle and family requirements.

Dining Out for Convenience (Non-luxury) RM

Moderate Clothing & Personal Care RM

Children’s Enrichment / Tuition RM

Household Help & Work Subscriptions RM

Others RM

Total Need-To-Have Expenses 0% of Net Income RM

4. Nice-to-Have Expenses

Includes: Discretionary spending, entertainment, and luxuries.

Streaming, Gym & Premium Entertainment RM

Premium Dining & Café Visits RM

Vacation / Leisure Travel RM

Luxury Fashion, Gadgets & Hobbies RM

Premium/Exclusive Barber/Salon RM

Others RM

Total Nice-To-Have Expenses 0% of Net Income RM

Total Outflows RM 0

3. Statement of Net Worth

A snapshot of what you own vs. what you owe.

Estimated Net Worth

RM 0

+ Assets (What You Own)

Liquid Assets

Cash & Bank BalancesRM

Fixed DepositsRM

Investment Assets

EPFRM

Unit Trusts / Tabung Haji / ASBRM

Stocks / SharesRM

Personal/Lifestyle Assets

Property (Current Market Value)RM

Vehicles (Current Market Value)RM

Total Assets RM 0

- Liabilities (What You Owe)

Short-Term Liabilities (< 1 yr)

Credit Card OutstandingRM

Personal Loans (Outstanding Balance)RM

Long-Term Liabilities (> 1 yr)

Mortgage / Housing Loan (Outstanding)RM

Vehicle Hire Purchase (Outstanding)RM

Education Loan (e.g., PTPTN)RM

Total Liabilities RM 0

4. Financial Health Diagnosis

Based on standard financial planning practices, these ratios interpret your data to reveal the true state of your financial health.

Basic Liquidity Ratio

...

0 Months

Target: > 12 Months

How many months you can survive using liquid assets if income stops.

Debt to Asset Ratio

...

Target: < 50%

Percentage of your total assets financed by debt.

Debt Service Ratio

...

Target: < 30%

Percentage of net income used for debt repayments.

Savings Ratio

...

Target: > 10%

Portion of gross income saved for the future.

5. Financial Needs Analysis

Detailed Time Value of Money (TVM) calculations mapping your current coverage against actual shortfalls.

Income Protection upon Death

Replacement income per year

Years to receive income (n)

Inflation adjusted return (i %)

Lump sum needed (PV): RM 0

Add: Immediate Cash

Add: Liabilities

Total Fund needed: RM 0

Less: Current Insurance

Less: Investment Proceeds

Shortfall/Surplus RM 0

Income Protection upon Disability

Replacement income per year

Years to receive income (n)

Inflation adjusted return (i %)

Lump sum needed (PV): RM 0

Add: Treatment Cost & Liab.

Total Fund needed: RM 0

Less: Current Insurance

Less: Investment Proceeds

Shortfall/Surplus RM 0

Income Protection upon Critical Illness

Replacement income per year

Years to receive income (n)

Inflation adjusted return (i %)

Lump sum needed (PV): RM 0

Add: Treatment Cost

Total Fund needed: RM 0

Less: Current Insurance

Less: Investment Proceeds

Shortfall/Surplus RM 0

Retirement Needs

Retirement Income needed today

Years to retirement (n1)

Inflation rate (i1 %)

Future income needed/yr (FV1): RM 0

Years to receive income (n2)

Inflation rate of return (i2 %)

Fund needed at ret. (PV2): RM 0

Less: Future value of resources

Less: Cash value of policies

Shortfall/Surplus RM 0

Expected Return (i4 %)

(i) Single sum required today: RM 0

(ii) Annual sum required today: RM 0

Wealth Accumulation

Lump sum needed today

When fund is needed (n1)

Inflation rate (i1 %)

Total fund needed (FV1): RM 0

Less: Expected value of resources

Less: Cash value of policies

Shortfall/Surplus RM 0

Expected Return (i3 %)

(i) Single sum required today: RM 0

(ii) Annual sum required today: RM 0

Needs vs Coverage Comparison Summary

Aspect	Needs (Fund Required)	Current Coverage/Resources	Total Shortfall / (Surplus)
Death	RM 0	RM 0	RM 0
Disability	RM 0	RM 0	RM 0
Critical Illness	RM 0	RM 0	RM 0
Retirement Fund	RM 0	RM 0	RM 0
Wealth Accumulation	RM 0	RM 0	RM 0

6. Income Protection Assessment

A solid financial plan starts with a strong shield. Let's quickly assess the baseline protection your family would need if the unexpected happens.

Expected Retirement Age

Current Annual Income (RM)

Proposed Income Protection (Rule of Thumb)

Critical Illness (5x Annual Income)

RM 0

Total Permanent Disability (TPD) (10x Annual Income)

RM 0

Death (10x Annual Income)

RM 0

Medical (Minimum Annual Limit)

RM 500,000

7. Executive Insights & Recommendations

"Financial planning is about holistic management of wealth to achieve life goals with peace of mind."